Silver Savings Certificates of Deposit
Term
Annual Percentage Yield
6 months
.30%
12 months
.45%
18 months
.60%
30 months
.85%
36 months
1.00%
48 months
1.25%
60 months
1.45%
$10,000 minimum required to open a Silver Savings CD
Early withdrawal penalties may apply.


Jumbo Certificates of Deposit
Term
Annual Percentage Yield
30 days
.10%
60 days
.15%
90 days
.20%
120 days
.25%
180 days
.30%
$100,000 minimum required to open a Jumbo CD
Early withdrawal penalties may apply.


Beyond Interest Personal Deposit Account
Monthly Average Balance
APY
$20,000 and above
.033%
$1,000 - $19,999
.00001%
Tiered Interest
Minimum deposit to open account is $500. Minimum balance to earn interest is $1,000. Monthly Service Fee is $5.00 if balance falls below $500. Fees may reduce earnings on this account.


I-Check Checking Personal Deposit Account
Montly Average Balance
APY
$200,000 and above
.15%
$50,000 to $199,999
.035%
$10,000 to $49,999
.025%
Tiered Interest
Minimum required to open account and earn interest is $1000. Monthly Service Fee is $7.00 if balance falls below $1,000. Fees may reduce earnings on this account.


Star Money Market Account
Monthly Average Balance
APY
$50,000 and above
.09%
$5,000 to $49,999
.033%
Tiered Interest
Minimum required to open account and earn interest $1,000.
Monthly Service Fee is $10.00 if balance falls below $1,000. Fees may reduce earnings on this account.


Statement Savings
Monthly Average Balance
APY
More than $40,000
.09%
Up to $39,999
.033%
Minimum required to open account is $200. Monthly Service Fee is $7.00 if balance falls below $200. Fees may reduce earnings on this account.




Regular Passbook Account
Monthly Average Balance
APY
More than $50,000
.09%
Minimum deposit of $200 required to open account. Monthly Service Fee is $7.00 if balance falls below $200. Fees may reduce earnings on this account.


Royal Gold Passbook Account
Monthly Average Balance
APY
More than $100,000
.09%
Less than $100,000
.033%
Minimum required to open account is $3,000. Monthly Service Fee is $7.00 if balance falls below $3,000. Fees may reduce earnings on this account.


Current Prime Rate
3.25%


Money Market Business Checking
Monthly Average Balance
APY
$50,000 and above
.124%
$5,000 to $49,999
.033%
Tiered Interest
Minimum required to open account and earn interest is $1,000. Monthly Service Fee is $10.00 if balance falls below $1,000. Fees may reduce earnings on this account.


Mortgage Rates, click here


Prime Home Equity Line of Credit Rates, click here


Easy Home Equity Line of Credit Rates, click here


Fixed Home Equity Loan Rates, click here




Automobile Loans
Rate effective as of December 1, 2011
Term
Rate
Annual Percentage Rate
12 to 24 months
4.90%
4.90%
25 to 36 months
5.50%
5.50%
37 to 48 months
5.90%
5.90%
49 to 60 months
6.40%
6.40%
10% Downpayment Required


Business Automobile Loans
Rate effective as of December 1, 2011
Term
Rate
Annual Percentage Rate
12 to 24 Months
5.50%
5.50%
25 to 36 Months
5.90%
5.90%
37 to 48 Months
6.40%
6.40%
49 to 60 Months
6.90%
6.90%
Please Note: all loan offerings are subject to credit approval, financing may not be available for certain vehicles, and all quotations are subject to change at the bank's sole discretion.
10% Downpayment Required


Reverse Mortgage Loan Rates, click here


Member FDIC
South Central Bank, National Association
525 W. Roosevelt Road | Chicago, Illinois 60607

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